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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,714 | $67,602-66.4% | $82,312-72.4% | $70,126-67.6% |
| Participation rate | 68.8% | 72.8%-4.0pp | 76.9%-8.1pp | 69.5%-0.8pp |
| Annual return | 15.09% | 21.57%-6.5pp | 25.88%-10.8pp | 73.15%-58.1pp |
| Employer contribution / active EE | $856 | $1,755-51.2% | $2,428-64.8% | $2,343-63.5% |
| Participant deferral / active EE | $1,623 | $2,987-45.7% | $3,706-56.2% | $3,332-51.3% |
| Admin fee / account holder | $1,714 | $4,512-62.0% | $5,608-69.4% | $4,645-63.1% |